Raymond Price4 said:Technically the employer pays, but yeah—it's deducted from all our paychecks because that's how the law works. It comes right out of my gross pay. If the law didn't mandate pension and health contributions, I’d be taking home my full gross salary instead of whatever is left after the State takes its cut.
In private companies, it's become standard to negotiate based on gross salary (including mine)—so yeah, I'm paying for it. The boss isn't "paying" it; it's money I earned by working for them. Do you honestly think employers do this out of the goodness of their hearts, or that they'd just hand over cash to workers who aren't even profitable?
If it wasn't legally mandated, I'd choose my own insurance policy—if I even bothered—and my money wouldn't be used to fund healthcare for everyone else, including those who don't work. And unfortunately, most people fall into that second category.
Just to be clear—I'm not saying everything about healthcare is broken or that everyone is corrupt. Quite the opposite. Despite all the scandals you hear about, I've mostly had great experiences, and I don't have any special connections or pay anyone to jump the line.
And yeah, I did use the ER once—turned out to be the right call, because waiting for a regular appointment could have ended badly. When the system is set up this way, you can't blame people for looking out for themselves.
A massive chunk of my paycheck goes toward healthcare, and on top of that, I pay for supplemental insurance, a private gynecologist, a dentist, and various medications.
My cousin just flew in from the States, and she’s going on about how people over there are actually looking to ditch their current setup and move back toward something more like our Medicare.
A friend was telling me about this mess she dealt with recently. She needed some kind of surgery—I can't recall the specifics—but her private insurance provider basically gave her the boot. Their reasoning? They claimed certain medications she was taking could potentially complicate the procedure. Now, look, there’s absolutely no proof that those drugs caused any issues, and frankly, it's impossible to prove otherwise, but they used it as a convenient excuse to wash their hands of her. So, she had to shell out the cash for the whole thing right out of her own pocket. She's planning to sue them, obviously. If she lands a high-end lawyer, she might actually walk away with a settlement, though they’ll probably end up splitting the legal fees 50/50. At least with the American legal system, things tend to move with a bit more speed and efficiency when you have the right representation.
Just imagine the absolute chaos that’s going to erupt once all those massive foreign insurance conglomerates start moving in. You only have to look at how the big banks are behaving right now to see where this is headed. And don't even get me started on our legal system—it's enough to give you a massive headache.
Ugh, we're talking long-term now!😍
I’m of the opinion that supplemental insurance ought to be strictly private. Medicare should remain as the public foundation, but we need to establish independent oversight bodies to manage it. Without those clear, autonomous control structures, we're just going to get stuck in an endless loop of finger-pointing and bureaucratic infighting over who is actually responsible for what between Medicare and the private insurers.